Thank you for choosing our dental practice for your care. As our patient, we are committed to you and your treatment. We will do everything we can to ensure that you receive personalized care and that your experience with our office surpasses anything you have ever experienced with any other dental office. We are proud that our fees reflect the time as well as the overall quality of care and service that we provide in our practice.

However, we know that people have different financial position and different needs in fulfilling their financial obligations. That’s why as well as offering the usual payment options, when the cost of anticipated dental work exceeds what you would like to place on your credit card or pay out of pocket, financing may be a better option.. We are pleased to offer several financing options or payment solutions to meet your needs and make routine dental care or a complete smile makeover more comfortable and affordable.

The payment plan enables our patients begin with their treatment immediately – then pay the cost of their treatment spread over time. It is an excellent payment option for elective cosmetic and/or emergency or general dental procedures.

Is your Smiles holding you so far back in life? Feeling insecure with your smile?



While many of our new patients are attracted by the option of payment plans, they may often be pleasantly surprised to find that treatment will cost less than expected. However, if finance is a barrier to achieving your optimal dental treatment, we offers AFFORDABLE Interest Free payment plans with Dental Finance, allowing you to start treatment straight away.

Check the details below

Smart Tips to Finance Expensive Dental Work

Avoiding the dentist is tempting, especially because having a cavity filled or a tooth pulled is not anyone’s idea of fun. But there’s another reason why people would prefer to avoid the dentist: Dental work isn’t cheap.

The cost of dental care per person has increased. And once you have a family, you might have to pay for multiple dental procedures each year, which can really add up.

While the costs are a nuisance, skipping the dentist can put your health at risk. Untreated cavities are a pain (literally), and dental problems potentially can also lead to more serious health issues, like heart problems. Dental visits are just as important as visits to your physician—you don’t want to put them off for too long.

While the costs are a nuisance, skipping the dentist can put your health at risk.

Because most medical plans don’t include dental work, dental insurance is often sold separately. And even if you have dental insurance, there’s no guarantee that it will cover the entire cost of an expensive procedure.

Fortunately, there are a few ways for you to pay for dental work if it isn’t covered by your insurance. Let’s take a look at what dental work your medical insurance might cover, payment plans for dental work, and dental loans.


Your medical insurance provider may only offer coverage for dental work it deems “medically necessary.” And what is medically necessary varies from provider to provider. Because dental health affects the rest of your body, there can be a fine line between what’s considered a dental procedure and a medical procedure.

Oral surgery could potentially be billed as a medical procedure. And while dental procedures aren’t typically covered by medical insurance, there may be components that are covered under certain circumstances.

Since it can be a case-by-case basis, before you move forward with any dental procedures, it’s probably a smart idea to talk to your medical insurance provider to see if you’re covered. That conversation alone can be a good start to understanding potential out of pocket costs that may come up.

One important thing to note is that there is a difference between a dental office that takes your insurance vs a dental office that you are in-network with. A dentist may take your insurance even though you are out of network with them.

When a dentist says that they take your insurance, that likely means that they will file a claim to your insurance for you. But if your insurance doesn’t cover a procedure or service, the price will generally be set at your dentist’s discretion—and you would typically be responsible for paying the costs out of pocket.

Generally, using an out-of-network dentist means your insurance would cover less and you’d pay more. Being in-network, on the other hand, usually means that your insurance company has pre-negotiated the fees with the dentist and they generally can’t charge more than that. So you’d typically pay less with an in-network dentist because more of it might be covered by insurance.


Paying a bill on a weekly or monthly basis can be much more manageable than paying it in a lump sum. That’s why dental offices may offer flexible payment plans for procedures not covered by insurance.

Because payment plans differ from dentist to dentist, it can be helpful to speak to your dental office about the specific terms of any payment plans offered. For example, you might want to ask what procedures qualify for a payment plan.

Is there an interest fee, and if so, how much is it? Do they have to check your credit before offering you a payment plan? Asking these questions beforehand may help keep you from getting blindsided by any unexpected costs.

These payment plans may be offered directly through your dentist office, or they can be offered by third-party services like Care Credit . Check with your dentist to see which type of financing options they offer to see if they are a good fit for you.



A personal loan is an unsecured loan that you can use for almost anything. And because of this flexibility, many people use personal loans to pay for out of pocket medical expenses.

And personal loans tend to have lower interest rates than credit cards.

Using a personal loan to finance dental work (dental loan) might be a better option to finance dental work than using a credit card. The lower the interest rate, the lower your monthly payment. And personal loans tend to have lower interest rates than credit cards.

Credit cards currently have an average interest rate of around 17% , but online lenders such as SoFi offer personal loans with lower interest rates to qualified borrowers.

How much you can borrow is also flexible when it comes to personal loans to finance your dental work. In short, a dental loan might be a good option to cover additional dental needs, from basic cavity fillings to more complex, high-cost procedures


Going to the dentist is probably not your favourite activity, but a big price tag can make dental care feel even more painful, especially if you have a neglected oral health, haven’t been to dentist for very long time or just simply in need of Smile transformation and full mouth reconstruction treatment.

If you’re having trouble paying for expensive but necessary dental care, you’re likely not alone. If you can’t afford to pay for necessary dental treatment upfront, Let’s look at what your options may be for dental financing.

Dental Payment Plans

Payment plans are essentially loans, which can support you in managing the high cost of dental treatment. Rather than paying for your dental work in an upfront lump sum, a payment plan allows you to pay in instalments over a period of time. It reduces the total amount that you have to pay for dental treatment, which will make your payment plan’s instalments even more affordable.

It is essential to get the dental care you need as soon as possible, because untreated issues often require more complicated, costly procedures in the future. Many approved dentists may be able to offer flexible payment plans, to help you manage the cost of your treatment.

What Dental Treatments Can Be Covered With A Payment Plan?

Payment plans can be used for a wide range of treatments, encompassing almost any work involving your teeth and gums or broader oral health. You can use a payment plan for general dentistry, including major treatments like root canals and dental implants. Plans can also cover cosmetic dentistry, including teeth whitening, crowns, and veneers, amongst many other procedures. You can use a plan for orthodontics, including all types of braces. Even less common treatments can sometimes be covered, including dental solutions for snoring and sleep apnoea.

However, be aware that dentists may only accept payment plans for significant procedures with high costs. Indeed, some plans are only available in thousand-dollar increments: minor procedures with low costs, such as check-ups, are unlikely candidates.


Personal loan

A personal loan can be used to pay for a range of personal expenses, which can include dental work and medical treatment. These loans are typically unsecured loans, which mean the lender doesn’t require any collateral to secure the loan. Because of this, the lender will typically consider many factors — including your credit history — to determine whether you’ll be able to repay the loan.

If you’ve got lower credit scores, you may end up paying higher interest rates or may be denied a loan outright.

Provider financing

Some dentists may also offer the opportunity to apply for payment plans and in-house financing through third-party lenders. The terms and details will vary based on each loan provider.

Alternatives to dental financing

If you don’t think you’ll qualify for dental financing or you’re worried about paying for the care that you need — even with financing — you can consider other options.

Ask friends and family for help

It can be uncomfortable to ask, but if you’re struggling to find financing and you really need dental care, turning to friends and family may be an option worth considering. They may be able to lend you money. Or, if they have good credit, they may be willing to co-sign on a personal loan or low-interest credit card, which may increase your chances of being approved.

Bonus tip: Tax break

If your necessary dental treatment is really expensive, you just might be able to claim a tax deduction for it. When tax time arrives, many Australian citizens are unaware that they could very well apply for a taxation rebate and consequently get some money back for their out of pocket net dental expenses.

So read on, learn and find out whether you’re eligible for a dental tax rebate in the 2012/13 financial year upon lodging your Australian tax return:

Am I eligible for a medical taxation rebate?

Net dental expenses are the medical expenses you have paid directly out of your pocket (after any health insurance or Medicare claims have been paid). If your medical expenses incurred in the financial year exceed $2120, you are entitled to claim a tax offset of 20% of your net medical expenses over $2120.

For example, for every dollar you pay after $2120, you can claim 20 cents back on each dollar spent. The good news is that there is no upper limit on the amount you can claim. The tax offset also applies to all medical expenses incurred for yourself and/or any dependents (partner and children).

What is a medical expense?

The Australian Tax Office regards payments to legally qualified doctors, nurses, pharmacies and both public/private hospitals as a medical expense. This means any payment to a dentist, orthodontist or registered dental mechanic qualifies as a medical expense; even if it’s a cosmetic dental procedure.

DISCLAIMER: Please note that this information is correct as per the Australian Taxation Office website and is intended to be taken as general information. It does not constitute as financial or accounting advice. Therefore, we encourage you consult a qualified accountant or your dentist to help determine the extent the medical taxation rebate could apply to your personal circumstance.


Early Release of Superannuation For Dental Treatment

Do you need major dental work but have no idea how you’re going to pay for it? You could qualify for the Early Release of Superannuation (ERS), which has been established to provide you with access to your funds when you need them most.

Instead of waiting until you are 65 years old, you are able to access your funds immediately, regardless of you are in your 20s or your 40s. That’s why requesting an early release of superannuation for dental treatment can provide enormous financial relief, especially if you have limited private health cover.

How does early Release of Superannuation (ERS) work?

The early access to superannuation funds has been designed to allow you to receive essential dental treatment that is paid for by funds that belong to you.

However, you should note that you need to meet select criteria to apply for the early release of funds. This option should also be a last resort and one taken after all other considerations have been exhausted. Speaking to a financial counsellor before you go ahead is a good idea.


As part of a growing trend, more and more dentists are supporting payment plans, which are approved at their discretion.

Payment plans may be offered in-house by a dental practice itself, but are more commonly provided by third-party, specialised companies. Some of these third-party providers offer generic payment plans for any major spending (not just dental), including zipPay,  Openpay, and PayRight.  Other providers cater exclusively to dental health services, as with DentiCare, MySmilePlan, and MediPay. Regardless, all payment plans have the same premise, of allowing you to pay over time as opposed to a single lump sum.


Like any loan, a payment plan is a commitment. If you are interested in commencing a plan, make sure you carefully discuss your options with your  dentist before you undertake any actual treatment.

The conditions of a payment plan are flexible, and often vary depending on the amount and duration of the loan. The time span for a payment plan is commonly 6 months, 12 months, or 24 months.  A deposit may or may not be necessary, and while monthly repayments are common, weekly and fortnightly options may also be available. If your application for a plan is approved, you will need to finalise its terms to suit your personal circumstances.

For an in-house plan:

If your dental practice offers in-house payment plans, you will need to inquire about their terms and conditions. The application process will differ for each practice, so make sure to check. Upon actually commencing a plan, you will simply make your repayments directly to the practice before each due date.

For a third-party plan provider:

If your dentist approves, you can set up a payment plan with a third-party provider. Providers have set frameworks to determine the conditions of your plan, which will affect your repayment amount and its frequency.

Some dental practices have a preferred plan provider, but if not, discuss with your dentist if you can choose your own and apply individually. Depending on the provider, your payment plan application may be a direct debit form or an online process.

If your provider and your dentist approve the payment plan, you can begin your dental treatment. The provider will pay your dentist in full on your behalf. Then, you will make your agreed repayments to the provider – often through an easy, automated process – until you have fully paid for your dental treatment.

Are There Any Additional Fees In A Payment Plan?

Aside from repaying your dental treatment itself, third-party payment plans will involve additional spending obligations. Start-up and account maintenance fees are common, and there are sometimes penalties for early or late repayments. Plans choose their own interest rates – however, many major providers are actually interest free, including DentiCare and MySmilePlan.

Many approved practices may be able to offer payment plans. However, before making decisions based on the right plan for you, make sure to source consistent and clear information. The information on this website serves as a guide, but it is best to contact the providers directly. When you start a payment plan, it is important to carefully read all of the terms and conditions, and keep an eye out for any hidden fees.


Each payment plan provider has its own approval process and criteria to assess your eligibility. They may look at your credit score, income, and any history of tax debt. However, some major providers do not take credit checks at all, such as DentiCare.

Virtually all major plans require you to be 18 years or older, an Australian citizen, and able to prove that you are not bankrupt. You may also need to prove that you have a certain income in some capacity.

Temporary residents need to hold a visa that’s valid for at least the next 12 months

Information you may need on hand

We may ask you to verify your identity

e.g. Driver licence, Medicare card, Passport

We may ask for supporting info about your income

e.g. Electronically or by uploading documents

Other lender like Zipmoney will require your login details to your Bank account.


Some lenders main qualifying criteria is an income based, others are non-income based criteria. For patients who are retired or patients who does not have job but receiving a disability dole, or patients have no job but receiving a monthly income from a non-income based source are well suited to apply to a lender who’s main qualifying criteria is a non-income based. let us know your specific financial position so we could recommend a lender that would best suits you.






DISCLAIMER:  The abovementioned links provided are not recommendations. It is but to provide you help  with links on your initial research for you much needed dental treatment.  There are more other sources and options as you do your research which are not mentioned here. You have to see and assess for yourself which of those sources better suits you in your specific  financial position.


This payment plan is ideal for patients who have smaller, non-urgent treatment plans, it is self-managed and straight forward.

Many of us have used or have heard of, the layby system that the larger department stores have, this payment plan works in a similar fashion.

We open a file or account for you within our dental software and whenever you get some spare money you transfer it into this account. Once you have sufficient funds for your treatment, we will go ahead with the work.

It is totally up to you how much and how often you want to pay. No finance companies are involved and no credit checks are required. This is an easy way for patients to save up for their dental treatment.

How it works:

STEP 1  Book an initial consultation

A fully paid consultation (and x-ray if you still have teeth) is required to establish the extent of treatment and the final figure.

STEP 2  Choose your service

During the initial consultation, your dentist will advise and guide you in order to choose the service targeted to your needs and budget.

STEP 3 Choose your Dental Layby duration.

You can choose to spread your treatment over 3, 6, 9, or 12 months.

STEP 4 Choose the instalments frequency

You can set up your instalments weekly, fortnightly or monthly* according to your income and budget.

STEP 5  Agree to your treatment plan.

Depending of what kind of treatment is involved, there are 2 ways of starting the treatment.

For a treatment such as Porcelain Veneers, Crown and Bridges, the work will be started after you completed a full amount.

For a treatment where it involves a combined restorative and Cosmetic treatment plan, your full treatment plan will be divided into 2- 4 major payment milestones. Each milestone has a target payment cost that must be paid off in order to activate them. Once activated, we will complete all work associated with that milestone. As you continue to pay off each milestone, we’ll continue to complete the dental work associated with that milestone until all milestones are completed, the treatment plan is finished according to your Dental Layby Agreement.


Dental LayBys is Subject to these terms and conditions :

  1. Payments options that we accept
  2. Bank Deposit Transfer.

Every time you completed the payment, send us quick email letting us know you have made the deposit with a screenshot of transfer receipt  to ensure your account is updated as quickly as possible.

1. If you choose to pay by credit card, you authorise us to debit the amount that is payable from your nominated credit card in accordance with the Payment Schedule on the specified payment dates.

If we are unable to successfully process any of your credit card payments, we will give you  a ring and to organise payment of the outstanding amount on some other dates.

Once we received bank transfer payment or process your credit card payment, we will send you an invoice by email.

2. Health insurance

Your health insurance can be used in conjunction with your Dental Lay by plan.

At your initial consultation, we’ll develop a treatment plan that we can use to define how much your health insurance will cover. The difference between the total treatment cost, and what is covered by your health insurance will become the new total amount of your Dental Lay by that you’ll pay over your chosen Dental Lay by duration.

All Dental Lay by monies must be collected in full before completing final treatments associated with your treatment plan.

3. Cancellation

If you wishes to cancel your Dental Lay by agreement, you  needs to visit the our clinic, and request a cancellation, and confirmation of this cancellation will be provided, along with any refunds you are entitled to.

4. Refund

If you cancels your Dental Layby, you will be entitled to a refund. The amount you are entitled to will depend on what, if any, payment milestones/treatment  have been activated or done. The customer will only be refunded the amount they have paid towards a milestone that hasn’t been activated/reached. For any payment milestones that have been activated where treatment has been completed, that money is paid to us for the associated treatment.

5. Cancellation Fees and Charges

If the payment was process through Credit cards, you will be charge with the total merchant fee to transact your credit card payment.

If payment is done through Bank transfer there is no payment charges

Both payment method will incur a $30 per month admin fee

6. Agreement

Patient must sign the Dental Layby Agreement to acknowledge these terms and conditions.

7. If there is a significant change on your oral conditions than what was initially diagnosed, extra charges will apply and be added on your dental laybys or be paid separately


Australian insurance companies, such as HBF, HCF, BUPA and Medibank usually cover Cosmetic Dentistry procedures such as Porcelain Crown, Bridges or Veneer under the category of ‘major dental’.

Major dental is typically covered under the policies of higher extras cover which generally covers surgery and emergency treatment. Major dental typically includes complex and expensive procedures like braces, crowns, wisdom teeth removal, bridges and root canals. You can also receive cover for orthodontic and endodontic works.

How much does my health fund pay?

Each health fund pays a different rebate amount, depending on their rules for each level of cover. For an approximate rebate amount, ask your health fund what the maximum rebate amount for your “major dental” category is.

At the practice, once you have been assessed, you will be provided with an itemised treatment plan. You can give this plan and the item numbers to your health fund. They will then be able to provide you with a precise, detailed quote


The Australian Government does not cover the costs of most dental services in the way it does with other health services. Most dental costs are paid for by patients.

Medicare does, however, pay for some essential dental services for some children and adults who are eligible.

Child Dental Benefits Schedule: This pays $1,000 over 2 calendar years for children aged 2 to 17 for basic dental services, including dental examinations, x-rays, cleaning, sealing cracked teeth, fillings, root canals and extractions. It does not cover orthodontic or cosmetic dental work or any dental care provided in hospital.

Most of the services are bulk billed, so you don’t pay anything. The payments are only available to families who are already receiving other government benefits. To see if your child is eligible, visit the Department of Human Services website.

Public dental services: The states and territories provide public dental services both for children and adults. These may include emergency dental services or referrals to specialist services like orthodontics in hospital. Adults must generally have a Health Care Card or Centrelink Pensioner Concession Card to be eligible, although the rules vary depending on where you live.

Each state and territory offers different services and you may have to wait up to a year or more to see a dentist.

To find out what’s available where you live, visit your state or territory health department website:



Do you need major dental work but have no idea how you’re going to pay for it? You could qualify for the Early Release of Superannuation (ERS), which has been established to provide you with access to your funds when you need them most.

Instead of waiting until you are 65 years old, you are able to access your funds immediately, regardless of you are in your 20s or your 40s. That’s why requesting an early release of superannuation for dental treatment can provide enormous financial relief, especially if you have limited private health cover.

How does early Release of Superannuation (ERS) work?

The early access to superannuation funds has been designed to allow you to receive essential dental treatment that is paid for by funds that belong to you.

However, you should note that you need to meet select criteria to apply for the early release of funds. This option should also be a last resort and one taken after all other considerations have been exhausted. Speaking to a financial counsellor before you go ahead is a good idea.

How can I apply for Early Release of Superannuation (ERS)?

First, you need to establish if you are eligible to access the funds. Depending on the superannuation fund you are with, you are allowed access to a lump sum to pay out-of-pocket expenses for dental treatment for yourself or your dependents.

The specific requirements for applying for early access based on compassionate grounds include:

  • Meeting the needs of dental treatment that falls under any of the following conditions:
  • Life-threatening
  • Producing acute or chronic pain
  • Reduces dignity or quality of life
  • You do not have the financial means to pay for the required treatment.
  • A report needs to be completed by a dental practitioner that is registered with the Australian Health Practitioner Registration Agency.

How does a dental ERS application work?

Australian Tax Office (ATO) has strict rules for what qualifies as a treatment you can finance through ERS. Here’s how the procedure usually begins:

  1. Get a Dental assessment.
  2. At our practice, we present you with a comprehensive treatment plan backed by scans, photographs and video of your dental condition.
  3. Your plan lets you know exactly what we think needs to be done and why, and then gives the item number and cost for each.
  4. We discuss options for how to proceed. You can apply for ERS to pay for treatments for yourself, your partner or your children.
  5. Your application for funding must cover the entire cost of the procedure, so it is important you have enough funds to cover the cost of treatment.

Qualifying for ERS for dental

Your superannuation is there to help protect your quality of life in retirement. Accessing it before that time is strictly regulated of course. However, for cases where your quality of life will be lower if you don’t access those funds, the government makes allowances.

It must be justified on medical grounds. If your teeth aren’t fit for purpose – if you can’t chew and can’t eat – that is good grounds for an ERS application.

Cosmetic veneers and things like that are not really an option. But if you need the porcelain to adjust your bite, that’s different. So, it really depends on your circumstances. All-on-4 is probably the most common treatment which people have been funding via the super route, that is when you need all your teeth replacing because they are terminal so this certainly fits the criteria.”

 How long do I have to wait?

The application process to access your super usually takes a few days to get together, then an estimated 10 to 14 working days for assessment.

Are there limitations on the amount of dental superannuation I can withdraw?

In a word, no! There are no restrictions on how much super you can withdraw. You are eligible to withdraw the amount required for your treatment, however large or small an amount it may be.

I don’t have sufficient super – Can I access another account?

Absolutely! If you don’t have sufficient superannuation left to cover the cost of your treatment it is possible to access the superannuation of your partner, spouse or other dependants as you see fit.

Dental superannuation – What it covers?

Early release of your superannuation can cover a wide range of surgical dental treatments including…

Dental implants
General dentistry
Endodontic therapy
Oral and maxillofacial surgery

How much tax do you pay on early release of super?

There are no special tax rates for a super withdrawal because of severe financial hardship. It is paid and taxed as a normal super lump sum. If you are under 60 years old, this is generally taxed between 17% and 22%. If you are older than 60 years old, you will not be taxed.


How do i access my super for dental?

Can you access super for dental?

When can I access my super? All conditions of release explained

Early access to your super

Dental Treatment Funding – Access My Super


Super withdrawal options

Early access on compassionate grounds

Early Release of Super for Dental Health

Using my super for dental work ato –



Efficient and easy payment processing

We utilizes HICAPS, a simple and easy way to process payments for your private health fund claims, Medicare claims and lodgement of Worksafe Victoria claims.

HICAPS is an electronic health claims system that allows members of ACA Health Benefits Fund to claim automatically on the spot whilst they are at our dental practice. All it takes is a swipe of your ACA Health membership card through our HICAPS machine.

Using HICAPS will save you time, as you will no longer have to lodge your claim via the post. And, more importantly, you will save money because you won’t be out of pocket during the time it takes to claim your benefit.

Never feel embarrased to smile again!

Let us be your help to a handcrafted smile that will change your life.